Co-Op Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Co-Op Credit Union of Black River Falls, WI reported 428 mortgage applications totaling $77.1 million, up 12% from 2024. The average application was for $180,186, and applicants reported an average income of $89,231. 90% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Eau Claire, WI (35), La Crosse-Onalaska, WI-MN (33) and Minneapolis-St. Paul-Bloomington, MN-WI (2) (applications in parentheses).
| Mortgage Company & Address | Co-Op Credit Union 100 E Main St Black River Falls, WI 54615 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 428 |
| Total Mortgage Loan Application Amount | $77,120,000 |
| Average Mortgage Loan Application Amount | $180,186 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $89,231 |
| Highest Applicant Income | $426,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, Wisconsin | 196 | $ 31,810,000 | $ 162,295 | $ 94,000 |
| Trempealeau, Wisconsin | 61 | $ 11,055,000 | $ 181,229 | $ 100,000 |
| Eau Claire, Wisconsin | 31 | $ 6,625,000 | $ 213,709 | $ 90,000 |
| La Crosse, Wisconsin | 31 | $ 7,585,000 | $ 244,677 | $ 100,000 |
| Clark, Wisconsin | 30 | $ 4,220,000 | $ 140,666 | $ 85,000 |
| Monroe, Wisconsin | 26 | $ 5,290,000 | $ 203,461 | $ 100,000 |
| Buffalo, Wisconsin | 10 | $ 2,230,000 | $ 223,000 | $ 103,000 |
| Barron, Wisconsin | 4 | $ 1,070,000 | $ 267,500 | $ 127,000 |
| Chippewa, Wisconsin | 4 | $ 580,000 | $ 145,000 | $ 66,000 |
| Juneau, Wisconsin | 3 | $ 205,000 | $ 68,333 | $ 56,000 |
| Rusk, Wisconsin | 3 | $ 945,000 | $ 315,000 | $ 227,000 |
| Sawyer, Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 122,000 |
| Wood, Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 90,000 |
| Clayton, Iowa | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Blue Earth, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 189,000 |
| Hennepin, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Houston, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Winona, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 167,000 |
| Bayfield, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Dodge, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Dunn, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fond du Lac, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 157,000 |
| Iowa, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 134,000 |
| Iron, Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Jefferson, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Portage, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 179,000 |
| Richland, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 167,000 |
| Sauk, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 0 |
| St. Croix, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 323,000 |
| Vernon, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Vilas, Wisconsin | 1 | $ 535,000 | $ 535,000 | $ 226,000 |
| Washburn, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Waukesha, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Winnebago, Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 165 | $33,105,000 | $200,000 | $695,000 | $101,000 | $426,000 |
| Cash-out Refinancing | 96 | $17,440,000 | $181,000 | $805,000 | $100,000 | $323,000 |
| Refinancing | 77 | $11,355,000 | $147,000 | $515,000 | $107,000 | $372,000 |
| Not Applicable | 47 | $9,795,000 | $208,000 | $735,000 | $0 | $0 |
| Other Purpose | 42 | $4,960,000 | $118,000 | $365,000 | $84,000 | $207,000 |
| Home Improvement | 1 | $465,000 | $465,000 | $465,000 | $159,000 | $159,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 368 | $66,110,000 | $179,000 | $805,000 | $97,000 | $426,000 |
| Not applicable | 34 | $7,180,000 | $211,000 | $735,000 | $0 | $0 |
| Hispanic | 15 | $1,895,000 | $126,000 | $215,000 | $48,000 | $81,000 |
| American Indian or Alaskan Native | 8 | $1,320,000 | $165,000 | $335,000 | $135,000 | $199,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $151,000 | $151,000 |
| Black or African American | 1 | $145,000 | $145,000 | $145,000 | $143,000 | $143,000 |
| Not Provided | 1 | $305,000 | $305,000 | $305,000 | $116,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 428 | $77,120,000 | $180,000 | $805,000 | $97,000 | $426,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 387 | $70,645,000 | $182,000 | $805,000 | $98,000 | $426,000 |
| Application Withdrawn By Applicant | 25 | $4,545,000 | $181,000 | $375,000 | $93,000 | $197,000 |
| Application Denied By Financial Institution | 13 | $1,525,000 | $117,000 | $275,000 | $73,000 | $173,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $50,000 | $50,000 |
| Loan Purchased By The Institution | 1 | $195,000 | $195,000 | $195,000 | $61,000 | $61,000 |
| Preapproval Denied by Financial Institution | 1 | $185,000 | $185,000 | $185,000 | $108,000 | $108,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 414 | $75,410,000 | $182,000 | $805,000 | $97,000 | $426,000 |
| Credit History | 7 | $935,000 | $133,000 | $275,000 | $95,000 | $173,000 |
| Debt-To-Income Ratio | 6 | $590,000 | $98,000 | $165,000 | $50,000 | $108,000 |
| Collateral | 1 | $185,000 | $185,000 | $185,000 | $99,000 | $99,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Co-Op Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Co-Op Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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